Shopify Integration with Bangladesh Payment Gateway Full Process Guide

I. Preliminary preparations

1. Select Bangladesh Local Payment Gateway::

   • bKash (the most popular mobile wallet)
   • Nagad (Government-supported e-financial services)
   • Rocket (mobile financial services of Dutch-Bangla Bank)
   • Upay
   • SSLCOMMERZ (Integrated Payment Processor)

2. Register for a merchant account::

   • Visit the official website of your chosen payment gateway to apply for a merchant account
   • Prepare documents such as business licence, tax identification number (NID/TIN), bank account information, etc.
   • Complete the KYC verification process (usually takes 3-7 business days)

Second, Shopify background settings

1. Login to Shopify Administrator Panel

2. Go to Payment Provider Settings::
   Path: Settings → Payments → Choose provider

3. Select Third Party Payment Provider Option

III. Specific integration methods

A. Cases of direct support (e.g. SSLCOMMERZ)

1. Search for "Bangladesh" or a specific gateway name in the Shopify backend.
2. Fill in the fields obtained from the payment gateway:.
   • Merchant ID
   • API key/password
3. Configure the callback URL and webhook notification address

B. API Custom Integration Solution (for gateways without official plug-ins)

1. Develop custom applications or use middleware services::
   Recommended intermediary platforms are PayU, Stripe Connect or Paymentwall.

2.API Docking Steps::

// Node.js Sample Code Framework

const paymentGateway = require('bkash-api-sdk');



router.post('/process-payment', async (req, res) => {

    try {

        const paymentData = {

            amount: req.body.total,

            currency: 'BDT',

            orderId: req.body.order_number,

            customerPhone: req.body.customer_phone // bKash requires mobile phone number

            

        };

        

        const response = await paymentGateway.createPayment(paymentData);

        

        // Redirect customer to gateway's payment page

        res.json({ redirectUrl: response.payment_url });

    } catch (error) {

        console.error(error);

        res.status(500).send('Payment processing failed');

    }

});

3.Configuring a Webhook to Handle Payment Status Updates

C. PSP plug-in programme (recommended)

1. Shopify App Store installation such as "PayFlexi BD Payment Gateway".
2. Follow plugin specific configuration wizard input.

• Merchant credentials
• Transaction fee structure
• Allowed currencies

IV. Testing and Go-Live Key Points

Frequently Asked Questions.
- "Currency not supported":need to enable BDT currency display in Shopify backend
- Webhook timeout issue :Adjust server location to South Asia region
- Mobile Optimisation : Ensure that cash registers are adapted to low internet speed environments

Suggested additional measures.
✔️ add bKash/Rocket top-up instructions page
✔️ set up multi-language support (English + Bengali )
✔️ Contact your local acquirer to open an international card channel (Visa/Mastercard).

Post-launch monitoring metrics.
◉ Local Payments Conversion Rate vs Abandoned Order Rate
◉ Average settlement period (T+few)
Percentage of disputes/denials of payment

# Advanced Guide to Shopify Integration with Bangladesh Payment Gateway (continued)

V. Localisation Optimisation Strategies

1. Mobile-first design
- Streamlining the payment process: designing one-click payment buttons for bKash/Nagad and other wallets
- USSD compatibility: Ensure that the payment page triggers the `*247#` class USSD code
- Low bandwidth optimisation:
- Compression of payment page resources (<500KB） - 设置备用图片加载路径 2. OTP处理最佳实践 ```liquid {% comment %} Shopify模板示例：OTP输入框优化 {% endcomment %}

“`

3. SMS notification integration programme
| Service Providers | API Documentation Links | Fees (per article) |
|———–|—————————–|————|
| bKash | developer.bkash.com | BDT0.50 |
| nagad | api.nagad.com.bd | BDT0.45 |
| SSLWireless | portal.sslwireless.com | from BDT0.30 |

VI. Compliance and risk management

1.Bangladesh Bank list of requirements:
✓ Transactions over 75,000 BDT require additional authentication
✓ Keep records of all electronic transactions for at least 5 years
✓ Monthly reporting of cross-border settlement data to the central bank

2.PCI DSS implementation points:
-Use iframes to embed payment pages instead of direct redirects
-Disable storage of full card number/mobile phone PIN in logs
-Quarterly ASV scans

VII. Performance Monitoring Dashboard Configuration

Recommended Grafana monitoring template metrics:

“`
query_payment_success_rate =
sum(success_count{bank=~"$bank",gateway=~"$gateway"})
/
sum(total_count{bank=~"$bank",gateway=~"$gateway})
“`

Critical Alarm Threshold:
▸ 3 consecutive minutes success rate<85% → PagerDuty警报 ▸平均响应时间>8 seconds → Slack notification

VIII. Comparative analysis of alternatives

Alternative when the primary gateway is not available:

1. Proof of cash collection system.
-Send 7-digit payment code to 016XXXXXXXXXXX via SMS
-The customer presents the code to the agent to complete the payment.

2. Comparison table of direct bank connection programmes.

Bank Name SWIFT Fee Settlement Period Minimum Balance Requirement
——– ———– ———– ————-
Eastern Bank $15 T+3 $2000
BRAC Bank $12 T+4 $1500
City Bank $18 T+2 $3000

IX. Response to seasonal flows

Special settings during the Eid promotion.

☑️ Advance Single Limit Increase to 200,000 BDT (72 hours advance application required )
☑️ Deployment of temporary server nodes Dhaka/GPG data centre
☑️ arranges bilingual customer service 24/7 shifts (English + Bengali )

Technical team checklist.
✅ Stress test simulates 10x daily traffic
✅ Prepare a manual downgrade switch to turn off non-essential features
✅ Pre-generated 100 alternate order segments

Which area of detail needs to be pursued further? For example .
→ Debugging tips for a specific gateway
→ How to reduce cross-border settlement losses
→ Special Requirements for Islamic Finance Compliance